Call reports 2006
BANK OF LAVERNE — 2006
What BANK OF LAVERNE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 53,660,000 | 53,788,000 | 52,732,000 | 54,477,000 |
| Total loans | 18,376,000 | 18,400,000 | 18,480,000 | 18,713,000 |
| Allowance for loan losses | 322,000 | 321,000 | 309,000 | 307,000 |
| Securities available for sale | 17,950,000 | 18,378,000 | 19,372,000 | 20,258,000 |
| Securities held to maturity | 6,359,000 | 6,359,000 | 6,709,000 | 6,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,304,000 | 45,402,000 | 43,771,000 | 45,821,000 |
| Interest-bearing deposits | 35,374,000 | 33,856,000 | 33,873,000 | 35,156,000 |
| Noninterest-bearing deposits | 9,930,000 | 11,547,000 | 9,898,000 | 10,666,000 |
| Equity capital | 8,076,000 | 8,022,000 | 8,438,000 | 8,228,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 729,000 | 1,490,000 | 2,263,000 | 3,065,000 |
| Interest expense | 233,000 | 503,000 | 774,000 | 1,071,000 |
| Net interest income | 496,000 | 987,000 | 1,489,000 | 1,994,000 |
| Noninterest income | 56,000 | 120,000 | 230,000 | 300,000 |
| Noninterest expense | 305,000 | 639,000 | 1,030,000 | 1,469,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 247,000 | 468,000 | 689,000 | 774,000 |
| Income tax | 79,000 | 150,000 | 216,000 | 241,000 |
| Net income | 168,000 | 318,000 | 473,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,316,000 | 8,466,000 | 8,621,000 | 8,387,000 |
| Total capital | 8,636,000 | 8,787,000 | 8,930,000 | 8,694,000 |
| Risk-weighted assets | 25,632,000 | 25,875,000 | 25,570,000 | 25,901,000 |